Side-by-side · Q2 2026 data
PennCrest Bank vs Healthcare First Credit Union
Metric by metric
| Measure | PennCrest Bank | Healthcare First Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 85 | 85 |
| Loan quality | 83 (stronger) | 58 |
| Earnings | 39 | 58 (stronger) |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 64th | 68th |
| Total assets | $247.1M | $100.6M |
| Deposits / shares | $210.0M | $85.7M |
| Capital ratio | 13.48% | 13.49% (stronger) |
| Problem loans | 0.50% (stronger) | 1.27% |
| Net charge-offs | 0.01% (stronger) | 0.45% |
| Return on assets | 0.47% | 0.94% (stronger) |
| Loans ÷ deposits | 74.4% | 31.6% (stronger) |
| Uninsured deposits | 6.4% | 1.7% (stronger) |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), PennCrest Bank leads on 2 and Healthcare First Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.